By working with the worlds leading insurance carriers, we can offer our clients with the plan style and design that suits your needs. Through our consultation with you, we will suggest and present a number of insurance options and designs that will meet and exceed your requirements, but also those of the US State Department and other governments and agencies around the world who you need to comply with. We try to focus on the following main items:
Plan Design
We offer a number of standard group plans, plus plans that are tailored to suit your needs. Whether you need unlimited coverage, are looking to keep your coverage limits lower to save money, or would just like the best plan available - these options are all available to you. Please see our sample plan designs below for more information about the type of plan we can offer.
Pricing
Our ultimate goal is to provide a plan that is stable over a number of years, without the need for pricing increases. To this end, we try and learn as much as we can about an organization so that we can determine the right pricing level for your coverage. Our plans are always as competitive as possible, and priced based on the type of activities your participants will be undertaking abroad and the plan benefits.
Policy Administration
We have a range of tools to make administering your international insurance plan as easy as possible. This includes our unique "WTIS Client System" tool which allows you to manage your insurance enrollments directly online 24/7.
Participant Administration
To save you and your staff time, we offer full support to your participants through the "Student Zone" and our insurance documentation. The Student Zone offers participants the opportunity to manage their insurance plan online and obtain information on how to seek medical treatment, manage their claims, locate providers and much more.
These are just some of the options that you have when you are searching for a new insurance plan - however the best way to find out what we can offer you is to talk to one of our account representatives.
Sample Plan Outlines
Work and Travel Insurance Services can offer you the insurance plan you need. Depending on your requirements, we can offer a range of standard insurance plans which provide a range of coverage benefits, or if you need something more specific we can create a bespoke insurance solution for your organization.
Below are a few ideas on plans we can offer with carriers who are based in the USA and Europe.
Sample Travel/ Health Plan
The following sample plans show you what our insurance partners can provide, and of course we can tailor benefits and include coverage where needed - please note all values are in USD.
Sample Plan 1 - European Carrier
Policy Maximum - Unlimited, $300,000 or $100,000
Co-Pay per claim - $0, $50 or $100
Hospitalization - 100%
Outpatient Treatment - 100%
Prescription Medication - 100%
Ambulance - 100%
Dental treatment - $200 (pain-stilling only)
Evacuation/ Repatriation - 100%
Family Visit - 100% (if acutely sick)
Emergency Home Visit - 100%Sample Plan 2 - USA Carrier
Policy Maximum - $50,000 to $1,000,000
Deductible - $0, $100 or $250
Coinsurance - 100% or 80% up to $5,000 and 100% over that after the deductible
Hospital Room/ Board - Average Semi-private room rate
Outpatient Treatment - Usual, Reasonable and Customary
Ambulance - Usual, Reasonable and Customary
Evacuation - $100,000
Repatriation - $50,000
Emergency Reunion - $15,000
Trip Interuption - $5,000
Optional Coverage
We can offer plans that provide the core benefits as listed above, plus the option to add extra coverage for things such as:
Personal Liability coverage - up to €1,000,000
Baggage/ Lost Luggage - up to $2,000
Trip Cancellation - coverage up to trip cost
If you would like more information about plan designs, and pricing - please contact us